Refinancing Share Origination forecast for 1st quarter of 2017 is at 46% and will be 39% by the last quarter of 2017. Forecast for 2018 will be 40% in the 1st quarter and 23% in the last quarter. Forecast for 2019 will be 24% in the 1st quarter and 24% in the last quarter

Change in Residential Mortgage Debt is 4.0% in 4th quarter of 2017.Forecast for 2018 will be 4.4% and will increase to 4.9% in the last quarter. Forecast for 2019 will be 5.0% and will increase to 5.5% in the last quarter